Net Worth Calculator
Calculate your net worth by adding up your assets and subtracting your liabilities.
Bank accounts, term deposits, cash on hand
Stocks, ETFs, managed funds
Your current super balance
Current market value of property you own
Vehicle, business interests, valuables
Outstanding home loan balance
Car loans, personal loans, student debt
How to Use This Calculator
1. Enter all your assets — cash, investments, super, property, and anything else of value 2. Enter all your liabilities — mortgage, loans, and credit card balances 3. Click Calculate to see your net worth
Tips:
Formula
Net Worth = Total Assets − Total LiabilitiesFrequently Asked Questions
What is net worth?
Net worth is the total value of everything you own (assets) minus everything you owe (liabilities). It's the best single measure of your financial health.
Should I include superannuation in my net worth?
Yes — super is your money, just held in a preserved account. Most Australians should include it as it's often their largest asset after property.
What is a good net worth at my age?
A common benchmark is to have saved 1× your annual salary by 30, 3× by 40, 6× by 50, and 10× by retirement. These are rough guides, not hard rules.
Is a negative net worth bad?
Not necessarily — many people start with negative net worth due to HECS debt or a mortgage on a property that's appreciating. The trend over time matters more than the snapshot.
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